Financhill
Sell
48

CIVB Quote, Financials, Valuation and Earnings

Last price:
$21.59
Seasonality move :
1.42%
Day range:
$21.17 - $21.95
52-week range:
$14.90 - $25.59
Dividend yield:
3.06%
P/E ratio:
9.49x
P/S ratio:
2.14x
P/B ratio:
0.84x
Volume:
80.6K
Avg. volume:
80.2K
1-year change:
23.24%
Market cap:
$334.9M
Revenue:
$151.9M
EPS (TTM):
$2.27

Analysts' Opinion

  • Consensus Rating
    Civista Bancshares has received a consensus rating of Buy. The company's average rating is a Buy based on 3 Buy ratings, 2 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $25.50, Civista Bancshares has an estimated upside of 18.17% from its current price of $21.58.
  • Price Target Downside
    According to analysts, the lowest downside price target is $24.00 representing -11.21% downside risk from its current price of $21.58.

Fair Value

  • According to the consensus of 5 analysts, Civista Bancshares has 18.17% upside to fair value with a price target of $25.50 per share.

CIVB vs. S&P 500

  • Over the past 5 trading days, Civista Bancshares has underperformed the S&P 500 by -12.76% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Civista Bancshares does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Civista Bancshares has grown year-over-year revenues for 2 quarters straight. In the most recent quarter Civista Bancshares reported revenues of $40.1M.

Earnings Growth

  • Civista Bancshares has grown year-over-year earnings for 2 quarters straight. In the most recent quarter Civista Bancshares reported earnings per share of $0.66.
Enterprise value:
442.6M
EV / Invested capital:
--
Price / LTM sales:
2.14x
EV / EBIT:
3.39x
EV / Revenue:
2.84x
PEG ratio (5yr expected):
--
EV / Free cash flow:
9.44x
Price / Operating cash flow:
7.12x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.88%
Net Income Margin (TTM):
22.79%
Return On Equity:
9.22%
Return On Invested Capital:
4.09%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $150.1M $153.2M $155.7M $36M $40.1M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $2.84 $2.33 $2.27 $0.41 $0.66
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $809.8M $980.6M $743.3M $742.5M $421.2M
Total Assets $3.1B $3.2B $3.6B $3.9B $4.1B
Current Liabilities $29.5M $23.9M $233.4M $368.5M $360M
Total Liabilities $2.7B $2.9B $3.2B $3.5B $3.7B
Total Equity $350.1M $327.7M $347.7M $369.7M $397.4M
Total Debt $154.4M $178.7M $333.1M $482.8M $471.6M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $35.9M $43.7M $51.1M $752K $3.6M
Cash From Investing -$398.1M -$307.3M -$245.9M -$34.2M -$21.2M
Cash From Financing $2.3M $261.3M $234.9M $23.3M $44.9M
Free Cash Flow $28.2M $41.3M $46.9M $629K $3.5M
CIVB
Sector
Market Cap
$334.9M
$627.9M
Price % of 52-Week High
84.33%
89.42%
Dividend Yield
3.06%
1.97%
Shareholder Yield
2.24%
4.06%
1-Year Price Total Return
23.24%
7.77%
Beta (5-Year)
0.686
0.585
Dividend yield:
3.06%
Annualized payout:
$0.64
Payout ratio:
28.7%
Growth streak:
13 years

Technicals

8-day SMA
Sell
Level $23.15
200-day SMA
Buy
Level $21.04
Bollinger Bands (100)
Buy
Level 19.75 - 23.15
Chaikin Money Flow
Sell
Level -308.7K
20-day SMA
Sell
Level $23.09
Relative Strength Index (RSI14)
Sell
Level 40.46
ADX Line
Sell
Level 34.72
Williams %R
Buy
Level -90.6871
50-day SMA
Sell
Level $22.83
MACD (12, 26)
Buy
Level 6.04
25-day Aroon Oscillator
Sell
Level -32
On Balance Volume
Sell
Level -337.8K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.278)
Sell
CA Score (Annual)
Level (-2.1646)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (10)
Sell
Ohlson Score
Level (2.7215)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Civista Bancshares Inc is a financial holding company. Operating through its subsidiary, it engages in the business of community banking. Its business activity involves collecting customer deposits, making loans, purchasing securities, and offering trust services to its clients. The company's loan portfolio includes commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. Majority of its revenues are derived from the interest and fees gained on loans.

Stock Forecast FAQ

In the current month, CIVB has received 3 Buy ratings 2 Hold ratings, and 0 Sell ratings. The CIVB average analyst price target in the past 3 months is $25.50.

  • Where Will Civista Bancshares Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Civista Bancshares share price will rise to $25.50 per share over the next 12 months.

  • What Do Analysts Say About Civista Bancshares?

    Analysts are divided on their view about Civista Bancshares share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Civista Bancshares is a Sell and believe this share price will drop from its current level to $24.00.

  • What Is Civista Bancshares's Price Target?

    The price target for Civista Bancshares over the next 1-year time period is forecast to be $25.50 according to 5 Wall Street analysts, 3 of them rate the stock a Buy, 0 rate the stock a Sell, and 2 analysts rate the stock a Hold.

  • Is CIVB A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Civista Bancshares is a Buy. 3 of 5 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of CIVB?

    You can purchase shares of Civista Bancshares via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Civista Bancshares shares.

  • What Is The Civista Bancshares Share Price Today?

    Civista Bancshares was last trading at $21.59 per share. This represents the most recent stock quote for Civista Bancshares. Yesterday, Civista Bancshares closed at $21.58 per share.

  • How To Buy Civista Bancshares Stock Online?

    In order to purchase Civista Bancshares stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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